My dad never owned a credit card. If you didn’t have it, you didn’t spend it. I remember him in his later years going to Eaton’s with my mother to buy a new set of appliances, and taking the money from the bank first and walking in there with over a thousand dollars in cash. Excessive borrowing doesn’t work and excessive debt usually results in people having to suffer. I went throughout the province, up and down every corner, and I listened at people’s kitchen tables, town halls – wherever I was, I found a consistent message: Why can’t government live the way we do? Why can’t they live within their means?